> ## Content Index > Fetch the complete content index at: https://stablecoininsider.org/llms.txt > Use this file to discover other available public pages before exploring further. # COCA Launches 10% APY Holiday Boost: Stablecoin Holders Can Now Earn Double Yield Until Dec 31 - URL: https://stablecoininsider.org/coca-launches-10-apy/ - Published: 2025-12-05T07:18:51.000Z - Updated: 2025-12-05T07:18:51.000Z - Description: COCA launches 10% APY Holiday Boost on USDC & EURC starting Dec 5. Just keep $500+ and 5 transactions by Dec 31 to earn double yield. - Author: Alexandra - Tags: Macro, COCA, 10% APY, Stablecoins, Stablecoin News > **London, UK, December 5, 2025:** > [**COCA**](https://www.coca.xyz/), the non-custodial crypto banking app, has officially activated its limited-time “Holiday Boost,” offering an industry-leading **10% APY** on USDC, USDT, EURC, and EURS through December 31, 2025. The promotion, which went live at 00:00 UTC today, raises the standard ***6%*** yield to ***10%*** for users who maintain a minimum ***$500*** balance in eligible stablecoins and complete at least five transactions during the month. Rewards will be calculated on the lowest daily balance in December and paid out automatically by ***January 10, 2026***. ### **Key Takeaways** - The 10% APY Holiday Boost is live now and expires December 31, 2025 at 23:59 UTC. - Only $500 minimum + 5 transactions required to qualify, no tier upgrades or lockups. - Earnings are paid automatically by January 10, 2026; funds stay 100% liquid. - Users can stack the boost with existing 8% cashback and 50% subscription rebates. - Promotion limited to COCA Card holders (physical or virtual Visa card required. [Stablecoin Newsletter](https://stablecoininsider.org/the-stablecoin-insider-weekly-newsletter/) ## **Background on COCA and the Stablecoin Shift** [![COCA Launches 10% APY Holiday Boost](https://storage.ghost.io/c/73/6a/736af0e4-2274-4543-a329-2952b2b52abc/content/images/2025/12/image-70.png)](https://www.coca.xyz/) Since its public launch in 2023 and the major 2.0 upgrade in September 2025, COCA has positioned itself as the bridge between decentralized finance and everyday spending. The app combines a Visa debit card with a self-custodial multi-chain wallet secured by multi-party computation (MPC) technology, eliminating seed phrases while keeping users in full control of private keys. > The platform currently serves over one million registered users and reported $1.1 million in monthly revenue as of October 2025\. Its flagship features include up to ***8%*** cashback in [**USDC**](https://www.circle.com/usdc) on all card purchases, ***50%*** subscription rebates on Netflix, Spotify, ChatGPT Plus, and Amazon Prime, and fee-free swaps across ***15+*** blockchains. [![COCA Launches 10% APY Holiday Boost](https://storage.ghost.io/c/73/6a/736af0e4-2274-4543-a329-2952b2b52abc/content/images/2025/12/image-71.png)](https://www.coca.xyz/) ## **How the 10% APY Holiday Boost Works** - ***Eligible assets:*** USDC, USDT, EURC, EURS - ***Minimum balance:*** $500 (tracked daily) - ***Activity requirement:*** 5+ transactions (spends, withdrawals, or swaps) in December - ***Yield applied to:*** Lowest daily balance throughout the month - ***Lockup:*** None. Funds remain fully liquid and spendable via Visa worldwide - ***Payout date:*** On or before January 10, 2026, in the same [**stablecoin**](https://stablecoininsider.org/) Unlike traditional staking programs, participants can continue using their balance for holiday shopping, travel bookings, or ATM withdrawals without forfeiting earnings. [Latest Stablecoin News](https://stablecoininsider.org/) ## **Benefits and Strategic Edge for Stablecoin Holders** The timing aligns with peak holiday spending season, allowing users to earn high yield while deploying capital in the real world. Industry observers note that **10% APY** significantly outpaces both traditional high-yield savings accounts (*currently \~4–5% in the U.S. and <1% in the Eurozone*) and most centralized crypto lending platforms. COCA maintains its perfect security record with zero reported hacks since inception, relying on biometric-enabled MPC wallets instead of conventional seed-phrase storage. [![Latest Stablecoin News in 2025](https://storage.ghost.io/c/73/6a/736af0e4-2274-4543-a329-2952b2b52abc/content/images/2025/12/image-72.png)](https://stablecoininsider.org/) ## **Conclusion** As stablecoin market capitalization surpasses ***$200 billion*** globally, COCA’s Holiday Boost underscores a broader industry shift: turning “parked” digital dollars and euros into active, [**yield-generating assets**](https://stablecoininsider.org/yield-bearing-stablecoins-in-2026/) without sacrificing accessibility or security. With less than four weeks remaining, the window to capture double-digit returns on fully liquid stablecoins is closing fast. [Work With Us](https://form.typeform.com/to/c5cdIHp0?typeform-source=www.stablecoininsider.com) **Read Next:** - [**Stablecoins vs. Neobanks**](https://stablecoininsider.org/stablecoins-vs-neobanks/) - [**STBL Protocol Launches Stablecoin 2.0**](https://stablecoininsider.org/stbl-protocol-stablecoin-2-0/) - [**Stablecoins for Carbon Credits**](https://stablecoininsider.org/stablecoins-for-carbon-credits/) --- ## **FAQs:** ### 1\. When exactly does the COCA 10% APY promotion start and end? It started today, December 5, 2025, at 00 UTC and ends December 31, 2025, at 23:59 UTC. ### 2\. What is the minimum balance and activity needed to qualify for the 10% yield? Keep at least $500 in USDC, USDT, EURC, or EURS every day in December and make at least five card transactions (spends, swaps, or withdrawals). ### 3\. How is the 10% APY calculated and when do I get paid? Yield is calculated daily on your lowest December balance and paid in full by January 10, 2026, directly to your COCA Card. ### 4\. Do I have to lock or stake my stablecoins to earn the 10% APY? No. Your funds remain completely liquid, spend, withdraw, or swap anytime without affecting eligibility. ### 5\. Is the COCA wallet safe for holding stablecoins during this promotion? COCA uses bank-grade MPC cryptography with biometric recovery and has maintained a 100% clean security record since 2023, with over one million users and zero successful exploits.